Mastercard Inc (MA)vsOppFi Inc (OPFI)
MA
Mastercard Inc
$660.73
-1.23%
FINANCIAL SERVICES · Cap: $555.82B
OPFI
OppFi Inc
$5.91
-1.17%
FINANCIAL SERVICES · Cap: $497.62M
Smart Verdict
WallStSmart Research — data-driven comparison
Mastercard Inc generates 11344% more annual revenue ($36.29B vs $317.10M). MA leads profitability with a 46.7% profit margin vs 29.8%. OPFI trades at a lower P/E of 2.7x. MA earns a higher WallStSmart Score of 70/100 (B).
MA
Strong Buy70
out of 100
Grade: B
OPFI
Buy57
out of 100
Grade: C
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Every $100 of equity generates 251 in profit
Keeps 47 of every $100 in revenue as profit
Strong operational efficiency at 60.5%
Safe zone — low bankruptcy risk
Earnings expanding 21.7% YoY
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 44.1%
Safe zone — low bankruptcy risk
Every $100 of equity generates 21 in profit
Keeps 30 of every $100 in revenue as profit
Areas to Watch
Expensive relative to growth rate
Premium valuation, high expectations priced in
Trading at 85.4x book value
Elevated debt levels
Smaller company, higher risk/reward
Weak financial health signals
Revenue declined 11.0%
Earnings declined 48.0%
Comparative Analysis Report
WallStSmart ResearchBull Case : MA
The strongest argument for MA centers on Market Cap, Return on Equity, Profit Margin. Profitability is solid with margins at 46.7% and operating margin at 60.5%. Revenue growth of 14.0% demonstrates continued momentum.
Bull Case : OPFI
The strongest argument for OPFI centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 29.8% and operating margin at 44.1%.
Bear Case : MA
The primary concerns for MA are PEG Ratio, P/E Ratio, Price/Book. Debt-to-equity of 3.54 is elevated, increasing financial risk.
Bear Case : OPFI
The primary concerns for OPFI are Market Cap, Piotroski F-Score, Revenue Growth.
Key Dynamics to Monitor
MA profiles as a mature stock while OPFI is a declining play — different risk/reward profiles.
OPFI carries more volatility with a beta of 1.93 — expect wider price swings.
MA is growing revenue faster at 14.0% — sustainability is the question.
MA generates stronger free cash flow (4.8B), providing more financial flexibility.
Bottom Line
MA scores higher overall (70/100 vs 57/100), backed by strong 46.7% margins and 14.0% revenue growth. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Mastercard Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
Mastercard Incorporated is an American multinational financial services corporation headquartered in the Mastercard International Global Headquarters in Purchase, New York. The Global Operations Headquarters is located in O'Fallon, Missouri, a municipality of St. Charles County, Missouri. Throughout the world, its principal business is to process payments between the banks of merchants and the card-issuing banks or credit unions of the purchasers who use the Mastercard brand debit, credit and prepaid cards to make purchases. Mastercard Worldwide has been a publicly traded company since 2006.
Visit Website →OppFi Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
OppFi Inc. is a leading financial technology company specializing in innovative consumer lending solutions for the underbanked population. Utilizing its proprietary platform and advanced data analytics, OppFi delivers fair and transparent loan products that emphasize responsible lending through precise credit assessments driven by machine learning. The company's strong commitment to improving financial accessibility, combined with its focus on growth within the dynamic fintech sector, positions it well for future expansion and enhances its competitive edge in a rapidly evolving market. As a publicly traded firm, OppFi is poised to capitalize on emerging opportunities while maintaining its mission of empowering customers through tailored financial solutions.
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